How much money do you REALLY need to retire? A simple rule of thumb: 30–40× your annual expenses Example: If you spend ₹1,00,000/month → ₹12,00,000/year Retirement corpus ≈ ₹3.6–4.8 crore Why this works: 1. A 4–5% safe withdrawal rate can comfortably sustain expenses 2. Corpus can last till 85 years 3. Principal likely stays intact Key Takeaways: 1. Calculate annual expenses → multiply by 30–40× 2. Adjust multiple upward if lifestyle costs are higher 3. Ensure big-ticket goals (education, house)

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